customer referral program

The Spiral Customer Referral Program lets existing Spiral customers refer friends to apply for a Spiral Deposit Account. From March 23, 2022 until September 30, 2022, when someone you referred uses your unique referral link to successfully open and fund a new Spiral checking account with $200 or more within 30 days of opening and both accounts are maintained in good standing for 90 days including but not limited to insufficient funds or returned deposit items, Spiral will credit your account $50. Bonus will be paid only on referred accounts opened prior to September 30, 2022. Spiral will credit your account for $50 within 30 days following the month in which the referred customer maintained the account for 90 days. Invitees can use a referral link to sign up. All current Spiral customers are eligible to participate in the program and refer friends. Referred friends must be new customers to Spiral and have never had a Spiral Checking account in the past. You can access your unique referral link by logging into your Spiral account and going to the referrals page. Your unique referral link is valid for an unlimited number of invitations. This program is void where prohibited. We may modify or terminate this program at any time. We may refuse to pay any bonus or recover any bonus if we determine that the referrer or referee has abused this offer or if the bonus was fraudulently obtained.

eligible charities (IRS)

Only charities the IRS recognizes as tax-exempt on <a href="https://apps.irs.gov/app/eos/">https://apps.irs.gov/app/eos</a> and not <a href="https://www.spiral.us/disclosures/ineligible/">disqualified</a> by Spiral.

FDIC insured

Any balances you hold with nbkc bank, including but not limited to those balances held in Spiral accounts are added together and are insured up to $5,000,000 per depositor through nbkc bank, Member FDIC, and through the use of a deposit network service comprised of other FDIC insured banks, as described below. Please note that if you have funds jointly owned, these funds would be separately insured for up to $5,000,000 for each joint account owner. nbkc bank utilizes a deposit network service, which means that at any given time, all, none, or a portion of the funds in your Spiral accounts may be placed into, and held beneficially in your name at, other depository institutions which are insured by the Federal Deposit Insurance Corporation (FDIC). This is possible because Spiral and nbkc bank arranged for your deposits to be spread across a network of FDIC insured banks, where no more than $250,000 of the funds in your Spiral account will be deposited at any single banking institution in the network. Balances in your accounts may be moved to one or more network banks to increase the amount of FDIC insurance available to you. Once the funds arrive at the network banks, they are eligible for FDIC insurance of up to $5,000,000 per customer, in aggregate. Please be aware that your amount of FDIC insurance may be lower if the combination of any balances you maintain at a given network bank, plus any deposits from your Spiral account(s) held in the same network bank, exceed $250,000. For a complete list of other depository institutions where funds may be placed, please visit <a href="https://www.cambr.com/bank-list">https://www.cambr.com/bank-list</a>. Balances moved to network banks are eligible for FDIC insurance once the funds arrive at a network bank. To learn more about pass-through deposit insurance applicable to your account, please see the Account Documentation. Additional information on FDIC insurance can be found at <a href="https://www.fdic.gov/resources/deposit-insurance/">https://www.fdic.gov/resources/deposit-insurance</a>.

APY explanation

The Annual Percentage Yield (APY) on savings account balances is 1%. Interest rates are subject to change. This APY is current as of 8/1/2022. No minimum balance is required to obtain the 1% APY.

not a bank, banking provided by nbkc

Spiral is a financial technology company, not a bank. All deposit products and services provided by nbkc bank, Member FDIC

$150 donation matching

Spiral matches donations up to $150 per year when you make a minimum donation of $5 per year. If you set up a monthly direct deposit of payroll of at least $1,000 to your checking or savings account (or a recurring incoming transfer of at least $1,000 to your checking or savings account), Spiral will match your donations dollar for dollar up to the annual limits in the Donation Matching Table [<a href="https://www.spiral.us/disclosures/matching/">here</a>] depending on the amount of your monthly deposits. If at any time during the year you increase your direct deposit of payroll (or recurring incoming transfer) so that Spiral’s annual match would be higher, Spiral will match at the higher amount.

no fees

As long as you make a deposit or withdrawal at least every 90 days. Spiral will charge your account $7 per month (up to 6 months) if you do not make a deposit or withdrawal for 90 days. Interest posting is not considered a deposit for purposes of this fee.

features coming soon

Mobile check deposit and bill payment are coming soon.

Interest rates are variable and subject to change at our discretion, at any time without prior notice. No minimum balance required. See the APY info [<a href="https://www.spiral.us/disclosures/apy/">here</a>] for current rates.

2 days early

Your payment may be processed up to 2 days early. Timing depends on when your employer sends payment funds.

spiral debit card

The Spiral Visa Debit Card is issued by nbkc bank, Member FDIC.

Blog Category

Stories about using your money for good

Stories about using your money for good · Blog · Spiral

The <a href="https://www.iucnredlist.org/">International Union For Conservation of Nature (IUCN) Red List of Threatened Species</a> has classified over 8,400 species of wild flora and fauna that are critically endangered. An additional 30,000 species have been identified as endangered. This means over 38,000 species are critically endangered. Animals are only placed on this list if they&rsquo;re severely at risk of extinction.&nbsp;
<h2>Life On Earth Is Threatened&nbsp;</h2>
Why does this matter? As humans, &ldquo;<a href="https://wildlifeday.org/">wildlife and biodiversity-based resources are something we rely on</a>&rdquo; for all of our basic needs, including medicine, food, fuel, and clothing. Without these resources, life on earth is threatened. Moving forward, our livelihood depends on rescuing critically endangered species, restoring damaged ecosystems, and promoting healthy interaction with wildlife and sustainable practices.&nbsp;
<h2>How Can You Help?</h2>
Spiral allows you to donate to nonprofits that are working hard to preserve habitats, study and conserve endangered species, and protect our planet&rsquo;s biodiversity. One of these leading nonprofits is Rainforest Trust.&nbsp;
<figure class="wp-block-image size-large"><img class="wp-post-1865 wp-image-1868" src="https://res.cloudinary.com/spiral/images/w_750,h_512/v1648481625/wordpress-uploads/pexels-pixabay-247431/pexels-pixabay-247431.jpg?_i=AA" sizes="(max-width: 750px) 100vw, 750px" srcset="https://res.cloudinary.com/spiral/images/v1648481625/wordpress-uploads/pexels-pixabay-247431/pexels-pixabay-247431.jpg?_i=AA 3500w, https://res.cloudinary.com/spiral/images/v1648481625/wordpress-uploads/pexels-pixabay-247431/pexels-pixabay-247431.jpg?_i=AA 300w, https://res.cloudinary.com/spiral/images/v1648481625/wordpress-uploads/pexels-pixabay-247431/pexels-pixabay-247431.jpg?_i=AA 1024w, https://res.cloudinary.com/spiral/images/v1648481625/wordpress-uploads/pexels-pixabay-247431/pexels-pixabay-247431.jpg?_i=AA 768w, https://res.cloudinary.com/spiral/images/v1648481625/wordpress-uploads/pexels-pixabay-247431/pexels-pixabay-247431.jpg?_i=AA 1536w, https://res.cloudinary.com/spiral/images/v1648481625/wordpress-uploads/pexels-pixabay-247431/pexels-pixabay-247431.jpg?_i=AA 2048w, https://res.cloudinary.com/spiral/images/v1648481625/wordpress-uploads/pexels-pixabay-247431/pexels-pixabay-247431.jpg?_i=AA 1200w, https://res.cloudinary.com/spiral/images/v1648481625/wordpress-uploads/pexels-pixabay-247431/pexels-pixabay-247431.jpg?_i=AA 1568w, https://res.cloudinary.com/spiral/images/v1648481625/wordpress-uploads/pexels-pixabay-247431/pexels-pixabay-247431.jpg?_i=AA 2250w" alt="Protecting Our Planet: Rainforest Trust Saves Nearly One Acre Every 10 Seconds, and Now They Need Your Help" width="750" height="512" loading="lazy" data-public-id="wordpress-uploads/pexels-pixabay-247431.jpg" data-attachment-id="1868" data-permalink="https://blogspiralus.wpcomstaging.com/2022/05/04/rainforest-trust-needs-your-help/pexels-pixabay-247431/" data-orig-file="https://i0.wp.com/blogspiralus.wpcomstaging.com/wp-content/uploads/2022/03/pexels-pixabay-247431.jpg?fit=3500%2C2388&amp;ssl=1" data-orig-size="3500,2388" data-comments-opened="1" data-image-meta="{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}" data-image-title="pexels-pixabay-247431" data-image-description="" data-image-caption="" data-medium-file="https://i0.wp.com/blogspiralus.wpcomstaging.com/wp-content/uploads/2022/03/pexels-pixabay-247431.jpg?fit=300%2C205&amp;ssl=1" data-large-file="https://i0.wp.com/blogspiralus.wpcomstaging.com/wp-content/uploads/2022/03/pexels-pixabay-247431.jpg?fit=750%2C512&amp;ssl=1" data-recalc-dims="1" data-format="jpg" data-transformations="" data-version="1648481625"></figure>
<h2>What is Rainforest Trust all about?</h2>
<a href="https://www.rainforesttrust.org/our-impact/global-scope/">&ldquo;We protect the world&rsquo;s most threatened species by protecting the ecosystems they depend on.&rdquo;</a>
Did you know that half of the world&rsquo;s biodiversity is found in rainforests? Rainforest Trust identifies &ldquo;<a href="https://www.rainforesttrust.org/our-impact/global-scope/">biodiversity hotspots</a>&rdquo; around the world that need protection. Some of these areas include Indonesia, Madagascar, the Congo Basin, and more. By focusing on the preservation of these tropical forests, Rainforest Trust devotes time and resources to the conservation of our planet&rsquo;s biodiversity. And by protecting ecosystems that endangered species depend on, they&rsquo;re helping to keep those endangered species comfortable and safe.&nbsp;
<h2>How do they measure their impact in numbers?</h2>
In 2021 alone, Rainforest Trust:
<ul>
<li>Protected over 2.8 million acres across the globe, an area 2.5x the size of Grand Canyon National Park&nbsp;</li>
<li>Protected 610 critically endangered and vulnerable species&nbsp;</li>
<li>Locked up over 455 million metric tons of C02 equivalents, comparable to the emissions from 99 million passenger cars driven for one year&nbsp;</li>
<li>Worked with 80 partner organizations in 40 countries&nbsp;</li>
</ul>
<h2>Why should you give to Rainforest Trust?</h2>
Time is no longer on our side. Our planet and the species that belong here can&rsquo;t wait for people, companies, and governments to act. When you give to Rainforest Trust, they immediately take action that creates protected areas. These areas keep forests intact, keep carbon safely stored, protect other types of habitat and the biodiversity they shelter, and enable endangered species to rebound and thrive. No matter how small or large the gift, a tangible impact is created.

Learn how Rainforest Trust preserves habitats, studies and conserves endangered species, and protects our planet’s biodiversity.

Protecting Our Planet: Rainforest Trust Saves Nearly One Acre Every 10 Seconds

Nonprofits across the world are mobilizing and taking action to support the people of Ukraine. If you&#8217;re looking for immediate ways to help, here are eight Spiral nonprofit partners who are responding to the crisis unfolding in Ukraine and providing critical relief.

8 Nonprofits Providing Immediate Humanitarian Relief to Ukraine

We&rsquo;re excited to feature the incredibly impactful work of our nonprofit partner, Population Services International (PSI)! Approximately 218 million women in low- and middle-income countries want to prevent a pregnancy but don&rsquo;t have access to modern and safe contraceptive methods. Because of COVID-19, an estimated additional 47 million women risk losing access due to social and economic impacts from the pandemic. resulting in an additional 7 million unintended pregnancies worldwide. That&rsquo;s why PSI addresses barriers such as access, stigma, and financial burdens that hinder women and girls&rsquo; right to reproductive choice. In more than 40 countries worldwide, PSI works alongside women in need to put her choice first and build solutions and stronger health systems that support her to make, and own, her health and life choices. On this World Contraception Day, discover how you can double your impact by supporting this incredible nonprofit&rsquo;s work.
<h2 id="h.9u96meft5eyc">Committing to Choice Catalyzes Impact for Women and Girls. Here&rsquo;s Why.</h2>
No matter where they live, women have the right to plan the family they want and to build the future they deserve.
For those who fight for a women&rsquo;s right to sexual and reproductive health,&nbsp;September 26 is an important day. Once a year we mark &mdash;World Contraception Day, a day to raise awareness about the importance of contraception for people all over the world and to highlight where we have more work to do to guarantee sexual and reproductive rights.&nbsp;
For Population Services International (PSI), one of Spiral&rsquo;s founding nonprofit partners, access to contraception has been at the foundation of more than 50 years of work expanding access to health services for those who need help most.
PSI&rsquo;s commitment began in 1970 when its founders, Phil Harvey and Tim Black, decided to dedicate their lives to reproductive rights after meeting numerous women who wanted to have fewer children but lacked access to modern contraceptive methods. They started a small mail-order condom business that funded the creation of PSI and its initial programs to reach women and families. Along the way, they even fought a successful Supreme Court case that set a precedent for the marketing of and distribution of contraceptives in the U.S. Today, PSI has expanded to serve women in countries all over the world.
Since its founding, PSI and its global team have focused on choice: ensuring women everywhere can choose if and when they want to have children. That commitment hasn&rsquo;t wavered &ndash; and in recent years, the fight for women&rsquo;s choice has grown all the more important.
Approximately <a href="https://www.google.com/url?q=https://www.google.com/url?q%3Dhttps://www.guttmacher.org/report/adding-it-up-investing-in-sexual-reproductive-health-2019%26amp;sa%3DD%26amp;source%3Deditors%26amp;ust%3D1632758766400000%26amp;usg%3DAOvVaw1vre7eDpI8tRYFADIemApi&amp;sa=D&amp;source=editors&amp;ust=1632758766422000&amp;usg=AOvVaw0FYu9UzFcQT4saFJ-Jq-jb" target="_blank" rel="noreferrer noopener">218 million women </a>in low- and middle-income countries want to prevent a pregnancy but don&rsquo;t have access to modern and safe contraceptive methods. Because of COVID-19, an estimated additional <a href="https://www.google.com/url?q=https://www.google.com/url?q%3Dhttps://www.unfpa.org/news/three-things-you-need-know-about-contraceptives-and-covid-19%26amp;sa%3DD%26amp;source%3Deditors%26amp;ust%3D1632758766400000%26amp;usg%3DAOvVaw3CIxnSEJKLzhvRrqvweSXO&amp;sa=D&amp;source=editors&amp;ust=1632758766422000&amp;usg=AOvVaw2XRpl4J8zZd3AOpTFX5hPK" target="_blank" rel="noreferrer noopener">47 million women</a> risk losing access to contraception, which will. result in an additional 7 million unintended pregnancies worldwide.
That&rsquo;s why PSI addresses barriers to contraception such as access, stigma, and financial burdens that hinder women and girls&rsquo; right to reproductive choice. In more than 40 countries worldwide, PSI works alongside women in need to put her choice first, by building health systems that support her to make her own health and life choices.
Learn more about how PSI is acting on its commitment to contraception worldwide &ndash; and how you can help. This World Contraception Day, PSI is matching all donations up to $10,000. Double your impact by making a charitable donation to PSI.

We’re excited to feature the incredibly impactful work of our nonprofit partner, Population Services International (PSI)! PSI addresses barriers such as access, stigma, and financial burdens that hinder women and girls’ right to reproductive choice. On this World Contraception Day, discover how you can double your impact by supporting this incredible nonprofit’s work.


Feature Impact Story: PSI

We&rsquo;re excited to feature the incredibly impactful work of our nonprofit partner, International Medical Corps! International Medical Corps provides health services and training to the most vulnerable communities in the United States and around the world. Their rapid response to COVID has been nothing short of remarkable, including distributing more than 28 million infection prevention and control items and pieces of personal protective equipment. Discover more about their mission, stories of impact, and total impact to date in this piece.
<h2 id="h.hfnz7lnkooo8">Spiral: What need are you addressing, and how are you doing it?</h2>
International Medical Corps: &nbsp;We provide health services and training to the most vulnerable communities in the United States and around the world, including disaster-affected communities; refugees,&nbsp;internally displaced persons&nbsp;and the local&nbsp;communities&nbsp;in which they reside; individuals in remote and often inaccessible areas; those often overlooked when providing healthcare, including women, children, people living with disabilities and elder persons; those affected by conflict; and survivors of gender-based violence.&nbsp;
To support these communities, International Medical Corps provides the key services that a healthy community requires, including primary health, mental health and psychosocial support, reproductive health, nutrition, and water, sanitation and hygiene services. In the aftermath of sudden-onset disasters, we respond within hours&mdash;because speed saves lives&mdash;and go anywhere, no matter the conditions.
Beyond the immediate response, International Medical Corps also helps communities move from relief to self-reliance by passing essential skills into local hands and thereby preparing those in disaster-prone areas to better withstand adversity. Embedding these skills into the community lies at the heart of what we do. It gives people struck by tragedy a sense of ownership over their recovery and the ability to shape their future as they rebuild.
<h2 id="h.5ihmwml5ri7o">Spiral: What&rsquo;s a story of a life you&rsquo;ve transformed through your work?</h2>
International Medical Corps: In mountainous Yemen, about 80 miles north of Aden, one of our mobile teams learned of a family tragedy. A local farmer&mdash;the family&rsquo;s lone breadwinner&mdash;had suffered a stroke a few months earlier, leaving his wife and their 17-month-old son, Essa, destitute. The boy was brought to the clinic, where our team found he was severely malnourished. His worried mother recounted the boy&rsquo;s weight loss and illness since her husband fell ill. She had been unable to pay for the medications her child needed to stem his decline.
Our team provided the mother with the needed medications, along with enough therapeutic nutrients to feed and strengthen her child. They also gave the mother a kit filled with crucial hygiene products, so she can prevent further infections. Our team followed up frequently to manage Essa&rsquo;s health and nutrition, and his condition improved&nbsp;markedly. His immune system was again able to fight off illness, and he resumed life as a normal kid. His mother told us: &ldquo;I finally can see my child smile again.&rdquo;
<h2 id="h.tibmac1ny574">Spiral:&nbsp;What&rsquo;s the total impact your nonprofit made last year in numbers?</h2>
International Medical Corps: In 2020, we launched the largest emergency response in our history, working to prevent and control the spread of COVID-19 in each of the nearly 30 countries and territories where we currently conduct our lifesaving programming, including the United States. Before the year was over, we had supported more than 1,300 health facilities, including hospitals, clinics and nursing homes, where local resources had been overwhelmed by the sheer volume of cases. &nbsp;
Our COVID-19 response included distributing more than 28 million infection prevention and control items and pieces of personal protective equipment, including masks, gloves and gowns. We screened 6,758,778 patients for COVID-19 and identified 138,517 patients as suspected COVID-positive. We trained 28,249 frontline healthcare professionals on COVID-19 prevention and control measures, and, critically, we reached more than 8.2 million people with information and education on COVID-19 prevention, good hygiene and community wellness.
Alongside our COVID-19 response, we continue to respond to disasters. Overall, in 2020 International Medical Corps responded directly to the needs of more than 18.5 million people on five continents. This worked spanned the broad range of services that healthy communities require to thrive, including: 5 million medical consultations; 47,389 births aided by the presence of a trained birth attendant; 120,492 children treated for malnutrition; 2.5 million people provided with water, sanitation and hygiene services; 735,000 people provided with mental health and psychosocial support services; and protection and support to 993,067 people living with the threat&mdash;or the reality&mdash;of gender-based violence.
Importantly, as training underpins all that we do at International Medical Corps, we trained 117,452 people on a variety of health-related topics, including 13,290 people on communicable disease management, which is critical to fight the spread of COVID-19, and 1,576 community health volunteers on the basics of psychological first aid, which is critical to spotting the signs of distress caused by COVID-19 or other devastating humanitarian crises and helping people get the support they need.
<h2 id="h.nhpitq3q5esa">Spiral:&nbsp;What&rsquo;s an innovation in the way you serve that has enabled you to increase your impact?&nbsp;</h2>
International Medical Corps:&nbsp;A critical component of our work involves procuring and delivering medicines to people, often in difficult and ever-changing conditions. Effective pharmaceutical supply-chain management is essential to 1) ensuring efficiency in the supply chain, which, given the costs of medicines, produces sizeable savings that accrue directly to beneficiaries; 2) reducing stock-outs through a more effective warehouse management process; 3) reducing paperwork so pharmacists can spend more time with patients; and 4) collecting data that can be used to improve health outcomes.
To achieve this, International Medical Corps developed a pharmaceutical information management system (PIMS) that is designed to be used in different humanitarian settings. PIMS software consists of modules that address different processes within the supply chain, from planning and procurement to distribution to beneficiaries.
Importantly, PIMS helps to solve one of the most complex challenges in delivering humanitarian assistance: monitoring pharmaceutical use and effectiveness at the &ldquo;last mile&rdquo; of the supply chain, where varying conditions and limited connectivity present difficult challenges. It provides:
<ul>
<li>complete visibility of the movement of pharmaceuticals from the central warehouse to all points of dispensing;</li>
<li>readily available reports and statistical analysis for both internal decision making and external communications;</li>
<li>standardization in the flow of commodities and information, while minimizing the number of steps in the supply chain process, enabling efficiency and reducing errors;</li>
<li>an improved patient and healthcare worker experience; and</li>
<li>software that is customizable, versatile and adaptable to diverse settings via mobile handheld devices.</li>
</ul>
<h2 id="h.zae1dfolaxm2">Spiral: &ldquo;If a donor were to support you today, what could you do with that gift?&rdquo;</h2>
International Medical Corps: With your donation, we can boost vaccination rates.
Getting a person vaccinated for COVID-19 anywhere helps people everywhere. With COVID-19 cases continuing to spread across the globe, and dangerous new variants continuing to evolve, distributing billions of doses of COVID-19 vaccines as quickly and as safely as possible is critical. Because many communities around the world have health infrastructures that don&rsquo;t have enough resources, it is critical to provide support for their vaccination efforts.
Our experience operating immunization programs for measles, polio, Ebola and other infectious diseases in regions underserved by medical providers and in communities with endemic poverty bolsters our ability to contribute to one of the largest vaccination missions the world has seen.&nbsp;
International Medical Corps also is well positioned to contribute to this effort, as we have strong relationships with ministries of health in the countries where we operate and are working with them on strategies around cold-chain management, ways to overcome &ldquo;last mile&rdquo; challenges in low-resource environments and how to conduct COVID-19 vaccine information campaigns that are accurate and effective.
We also work to bring vaccinations to underserved communities in the US. Having developed a national network of partners in the country through the course of our COVID-19 response, we have been able to identify and rapidly respond to domestic COVID-19 vaccination needs as well.

We’re excited to feature the incredibly impactful work of our nonprofit partner, International Medical Corps! International Medical Corps provides health services and training to the most vulnerable communities in the United States and around the world. Their rapid response to COVID has been nothing short of remarkable, including distributing more than 28 million infection prevention and control items and pieces of personal protective equipment. Discover more about their mission, stories of impact, and total impact to date in this piece.


Feature Impact Story: International Medical Corps

<ul class="is-style-none">
<li><a href="#spiral what need are you addressing and how are you doing it">Spiral: What need are you addressing, and how are you doing it?</a></li>
<li><a href="#spiral whats the total impact your nonprofit made last year in numbers">Spiral: What&rsquo;s the total impact your nonprofit made last year in numbers?</a></li>
<li><a href="#spiral whats an innovation in the way you serve that has enabled you to increase your impact">Spiral: What&rsquo;s an innovation in the way you serve that has enabled you to increase your impact? </a></li>
<li><a href="#spiral if a donor were to support you today what could you do with that gift">Spiral: If a donor were to support you today, what could you do with that gift?</a></li>
</ul>
We&rsquo;re excited to feature the incredibly impactful work of our nonprofit partner, Grassroot Soccer! Grassroot Soccer is an adolescent health organization that leverages the power of soccer to educate, inspire, and mobilize youth in developing countries to overcome their greatest health challenges. They&rsquo;ve reached more than 13 million youth since 2002. Discover more about their mission, stories of impact, and total impact to date in this piece.
<h2>Spiral: What need are you addressing, and how are you doing it?</h2>
Grassroot Soccer: The last decade has seen profound gains in global public health. But while mortality for children and adults has declined, adolescents ages 10-19 continue to be left behind. Young people face the most acute combination of preventable diseases and disorders of any age group, which is during a critical developmental transition to adulthood.
In Africa, even before the onset of COVID-19, adolescents were already facing the highest burden of health challenges. Africa is the only place globally where adolescent mortality has increased over the past three decades. HIV/AIDS continues to be a leading cause of death among adolescents in the region and is a particularly acute challenge for girls &mdash; despite accounting for just 10% of the population, girls make up <a href="https://www.avert.org/professionals/hiv-social-issues/key-affected-populations/women" target="_blank" rel="noreferrer noopener">80% of all new HIV infections</a>. On top of this, over 30% of girls have experienced sexual and gender-based violence (actual numbers are likely much higher due to lack of reporting), and almost half of adolescent girls in Africa have been <a href="https://www.unaids.org/sites/default/files/media_asset/2019_women-and-hiv_en.pdf" target="_blank" rel="noreferrer noopener">pregnant before their 18th birthday</a>.
This is where <a href="https://grassrootsoccer.org/" target="_blank" rel="noreferrer noopener">Grassroot Soccer</a> comes in. Grassroot Soccer programs leverage the universal appeal of soccer to reach adolescents and engage them around the most important, difficult, and often taboo health topics during a critical time in their lives. Using soccer as the hook, we engage youth to overcome their greatest health challenges through our &ldquo;Three C&rsquo;s&rdquo; model: an activity-based Curriculum, SKILLZ, that provides accurate, actionable, and life-saving health information; Coaches who care about and connect with adolescents to inspire them to take action; and a fun, safe, and positive Culture creating an optimal environment for learning.
<h2>Spiral: What&rsquo;s a story of a life you&rsquo;ve transformed through your work?</h2>
Grassroot Soccer: Mapalo is a 19-year-old living with HIV in Zambia who lost his parents at an early age and has been living with his aunt ever since. Mapalo was taking regular medication, called antiretroviral therapy or ART, to manage his HIV. However, like many youth living with HIV, Mapalo knew little about what his HIV status meant and why he was taking medication. For many youth, this lack of understanding can lead them to not adhere to their recommended treatment r. This lowered adherence in turn can increase the risk of HIV-related health issues, as well as the risk of HIV transmission.
One critical challenge is misconceptions about &ldquo;mental health&rdquo;: what it is, and why it&rsquo;s important for people living with HIV.
&ldquo;At first I thought mental health was about going crazy and for people who are not normal,&rdquo; Mapalo said. But &ldquo;mental health issues affect a lot of people like me because we are constantly fighting with the thought of [HIV] disclosure &mdash; when is the right time? How best to do it? And how will the other person react?&rdquo;
This all changed for Mapalo when he enrolled in a Grassroot Soccer SKILLZ Plus program &mdash; our sport-based intervention for youth living with HIV &mdash; at a local health facility. With the support of a Grassroot Soccer SKILLZ Plus Coach (who is a near-peer mentor openly living with HIV themselves) and a group of peer participants also living with HIV, the program equipped Mapalo with crucial life skills and healthy behaviors that promoted his mental-well being and sustained his high level of adherence to his treatment. Now, with a feeling of acceptance and belonging as part of a community, Mapalo feels confident he can continue his treatment journey.&nbsp;
&ldquo;I have made friends and a Coach who are just like me and have shown me that I can live with the virus,&rdquo; Mapalo said of his experience in the program. &ldquo;With the help of my group, I came up with solutions to better cope with my condition.&rdquo;
<h2>Spiral: What&rsquo;s the total impact your nonprofit made last year in numbers?</h2>
Grassroot Soccer: Since 2002, Grassroot Soccer has reached more than 13 million youth ages 9-24 globally with its sport-based SKILLZ programs. In the past year, in response tof program disruptions caused by the COVID-19 pandemic, we innovated and adapted. By doing so, we improved the lives of millions through life-saving health information, services, and support, all in the face of lockdowns and school closures.
In 2020, our flagship SKILLZ programs, which engage youth in evidence- and sport-based sexual and reproductive health and rights programs and activities, reached nearly 150,000 youth across sub-Saharan Africa.&nbsp;
We worked to get SKILLZ information to adolescents who need it in a number of ways. In Zimbabwe and Nigeria, for example, we distributed more than 24,000 SKILLZ Magazines &mdash; fun, interactive, and remote resources that use soccer metaphors to communicate comprehensive information on topics like sexual and reproductive health and rights, HIV and testing, and mental health &mdash; to more than 120,600 adolescents, families, and caregivers. We also delivered SKILLZ messaging through radio and TV, which reached an estimated 23 million people in Nigeria and Mozambique.
Our work improves health outcomes for adolescents. We achieve this through our &ldquo;Three A&rsquo;s&rdquo; impact model: building assets (health knowledge and the confidence to use it), improving access to high-quality health services, and increasing adherence to crucial treatments and healthy behaviors.
Here are a few examples of our tangible impact on young people&rsquo;s assets, access, and adherence in the past year. In 2020, in Zambia, one Grassroot Soccer program improved boys&rsquo; knowledge of positive gender norms by 43%. In Zimbabwe, our SKILLZ Magazines increased adolescents&rsquo; knowledge of sexual and reproductive health and rights, gender norms, and life skills by 21%.&nbsp;
These changes in attitudes lead to important changes in behavior. For example, girls in our Zimbabwe program increased their contraceptive use by 250% in 2020, and an estimated 72% of participants in our SKILLZ Plus programming in 2020 showed good ART adherence.
<h2>Spiral: What&rsquo;s an innovation in the way you serve that has enabled you to increase your impact?</h2>
Grassroot Soccer: For young people in the communities where Grassroot Soccer works, the pandemic has exacerbated existing health challenges &mdash; reducing access to critical services, interrupting HIV testing and treatment, and generating an increase in gender-based violence and mental health struggles.
Since the beginning of the pandemic, Grassroot Soccer has been innovating to provide essential COVID-19 information and sustained support for young people. One way we are doing this is by using technology to engage young people while in-person programs are disrupted during lockdowns and school closures.&nbsp;
In Zambia, we launched a cell phone-based version of our SKILLZ curricula. We&rsquo;ve also gamified key components of our curriculum into a fun and interactive virtual format; a cell phone-based game we developed, which is available for free (or a low cost) across Mozambique and Nigeria, allows young people to engage with critical information on topics such as relationships and changing bodies.
These digital innovations represent exciting new territory for us, and this work will continue beyond the pandemic; they provide the opportunity to reach tens of millions of adolescents &mdash; and to stay connected to them for years to come.
<h2>Spiral: If a donor were to support you today, what could you do with that gift?</h2>
Grassroot Soccer:&nbsp;
Here are some examples of the ways in which your support of Grassroot Soccer will have an impact on young people in the communities we serve across sub-Saharan Africa:
<ul>
<li>$250 can support the training and certification of a Grassroot Soccer Coach as a Youth Reproductive Health Assistant who delivers services directly to youth, including comprehensive sexual and reproductive health information and counseling on contraceptive options.</li>
<li>$100 can supply a classroom of Grassroot Soccer participants with engaging and educational soccer-themed SKILLZ Magazines.</li>
<li>$50 can supply a Grassroot Soccer Coach with personal protective equipment so they can deliver crucial medications and services directly to adolescents while access to clinics remains disrupted due to the COVID-19 pandemic.</li>
<li>$25 can support a team of five adolescents in Zambia to participate in the virtual SKILLZ program and gain critical health knowledge while remaining connected to peers in a time of social isolation.</li>
</ul>
Overall, a gift to Grassroot Soccer enables us to build partnerships, train Coaches, and execute our uniquely fun and evidence-based programs that equip young people with the life-saving information, services, and mentorship they need to live healthier lives. Donations also support our ability to continually innovate &mdash; like we have done in response to COVID-19 and in integrating mental health into our programs &mdash; ensuring we are adapting to a changing world and having the greatest impact possible.

We’re excited to feature the incredibly impactful work of our nonprofit parter, Grassroot Soccer! 


Feature Impact Story: Grassroot Soccer

<ul class="is-style-none">
<li><a href="#how charities are formed">How Charities Are Formed</a></li>
<li><a href="#what is a public charity vs a private foundation">What Is A Public Charity vs A Private Foundation?</a></li>
<li><a href="#the different types of charities">The Different Types of Charity</a></li>
<li><a href="#ways to contribute to charities donate or volunteer">Ways To Contribute To Charities &ndash; Donate or Volunteer&nbsp;</a></li>
<li><a href="#what is the importance of charity">What Is the Importance of Charity?</a></li>
<li><a href="#how can spiral help with your giving">How can Spiral help with your giving?</a></li>
</ul>
Some words are so familiar that we use them without putting much thought into the actual meaning behind the word. For example, we hear and use the word &lsquo;charity&rsquo; often but what is charity?
Charity is a humanitarian act of donating to an organization designated for a specific cause to help those in need. This help is given in the form of goods, money, or time with the goal of benefitting society. This aid is given without expecting anything in return and is the highest form of caring and unselfish love towards our fellow humans.
<figure class="wp-block-image is-resized"><img src="https://lh6.googleusercontent.com/9hx51OdKAmlWSbblfqeIXVL9BJQVlud6Kq_s_3RIt3zbIWz_t7h88Q_VyhgUVBgZlDsdbVreOkHbVjKmg3AQJq02GnwZS8aRBBF2UIVwI6Il49SOEqjUdMKELDZ2lZmJdD5jFK6Y" alt="What Is A Charity? A Guide To Giving" width="800" height="450" loading="lazy">
<figcaption class="wp-element-caption">Image by <a href="https://pixabay.com/users/capri23auto-1767157/?utm_source=link-attribution&amp;utm_medium=referral&amp;utm_campaign=image&amp;utm_content=3129340">Capri23auto</a> from <a href="https://pixabay.com/?utm_source=link-attribution&amp;utm_medium=referral&amp;utm_campaign=image&amp;utm_content=3129340">Pixabay</a>&nbsp;</figcaption>
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<h2>How Charities Are Formed</h2>
Ever wonder how charities are formed? Forming and operating a charity varies from state-to-state and from one country to another. One basic requirement is to register and file the non-profit organization within the state it&rsquo;s formed and operates.&nbsp;
To do this on the state level, you will need to set up Articles of Incorporation. The Articles of Incorporation include the following:
&middot;&nbsp; &nbsp; &nbsp; &nbsp; Name
&middot;&nbsp; &nbsp; &nbsp; &nbsp; Effective Date
&middot;&nbsp; &nbsp; &nbsp; &nbsp; Member Information
&middot;&nbsp; &nbsp; &nbsp; &nbsp; Corporation Type
&middot;&nbsp; &nbsp; &nbsp; &nbsp; Registered Agent
&middot;&nbsp; &nbsp; &nbsp; &nbsp; Principal Office Address
&middot;&nbsp; &nbsp; &nbsp; &nbsp; Mailing Address
&middot;&nbsp; &nbsp; &nbsp; &nbsp; Director Information
&middot;&nbsp; &nbsp; &nbsp; &nbsp; Indemnification Against Personal Liability
&middot;&nbsp; &nbsp; &nbsp; &nbsp; Organization&rsquo;s Purpose
&middot;&nbsp; &nbsp; &nbsp; &nbsp; Prohibited Activities
&middot;&nbsp; &nbsp; &nbsp; &nbsp; Distributions Upon Dissolution
Check with the<a href="https://www.nasconet.org/" target="_blank" rel="noreferrer noopener"> National Association of State Charity Officials</a> for further information by state.
Once the Articles of Incorporation are approved by the state you must do the following:
&middot;&nbsp; &nbsp; &nbsp; &nbsp; Apply for a<a href="https://www.irs.gov/charities-and-nonprofits" target="_blank" rel="noreferrer noopener"> Federal Employer Identification Number</a> from the IRS
&middot;&nbsp; &nbsp; &nbsp; &nbsp; Open a Bank Account for the Charity
&middot;&nbsp; &nbsp; &nbsp; &nbsp; Apply for<a href="https://www.irs.gov/charities-non-profits/exempt-organization-types" target="_blank" rel="noreferrer noopener"> 501(c)(3) Status</a> With the IRS
&middot;&nbsp; &nbsp; &nbsp; &nbsp; Register as a Charity
<div class="wp-block-image">
<figure class="aligncenter is-resized"><img src="https://lh4.googleusercontent.com/eaZLtKHyFohKcpCrnhcNKRRUJwA8XIDEueJKh_ev5hAE284uZeqVhhlGYqXmo0SIPSRZV6raGkmst_Ft1S-kz9C7wKX90ipSBrx6ZH--_Kt6kTNnZUU12697msZ6s5vtGfWK0c58" alt="What Is A Charity? A Guide To Giving" width="800" height="329" loading="lazy">
<figcaption class="wp-element-caption">Image by <a href="https://pixabay.com/users/bluebudgie-4333174/?utm_source=link-attribution&amp;utm_medium=referral&amp;utm_campaign=image&amp;utm_content=3713363">bluebudgie</a> from <a href="https://pixabay.com/?utm_source=link-attribution&amp;utm_medium=referral&amp;utm_campaign=image&amp;utm_content=3713363">Pixabay</a>&nbsp;</figcaption>
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<h2>What Is A Public Charity vs A Private Foundation?</h2>
Charitable organizations operate either as a public or as a private charity. The difference depends on the source of funding. Charities typically receive their money from donations and grants and both are classified as tax-exempt by the IRS.
Private foundations get their funding from a single financial source such as an individual, family, or corporation and these sources receive a tax deduction for their donations.
Private organizations, which are overseen by trustees or the donors themselves, typically make grants or give funds to public charities. Some examples of private foundations include the<a href="https://www.coca-colacompany.com/shared-future/coca-cola-foundation" target="_blank" rel="noreferrer noopener"> Coca-Cola Foundation, Inc.</a>, the<a href="https://www.waltonfamilyfoundation.org/" target="_blank" rel="noreferrer noopener"> Walton Family Foundation</a>, and<a href="https://www.gatesfoundation.org/" target="_blank" rel="noreferrer noopener"> The Bill and Melinda Gates Foundation</a>.
Public charities are governed by a board of directors and receive financial support from the public sector such as government, corporations, individuals, foundations, or trusts.
Examples of public charities are<a href="https://m25m.org/" target="_blank" rel="noreferrer noopener"> Matthew 25: Ministries</a> and<a href="https://okfoodbank.org/" target="_blank" rel="noreferrer noopener"> Community Food Bank of Eastern Oklahoma</a> and are two of the <a href="https://www.spiral.us/blog/best-charities-to-donate-to/">best charities to donate to</a> according to<a href="https://www.charitynavigator.org/index.cfm?bay=content.view&amp;cpid=2203" target="_blank" rel="noreferrer noopener"> Charity Navigator</a>. Most public charities conduct charitable activities and provide services.
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<figure class="aligncenter is-resized"><img src="https://lh6.googleusercontent.com/KsmiGXKCLk_-7aGHmkcZ43MXDp5-KGIBEKL1sMW3OzfWpTHX5ii591nEYKRh1zdpHV7QsOw9grN8ZkfExZA1_FaAdEpPBiVqzZHzj3A45kucxeI-mkjj23Oi6nfzXqhLZzXTNKJG" alt="What Is A Charity? A Guide To Giving" width="400" height="349" loading="lazy">
<figcaption class="wp-element-caption">Image by <a href="https://pixabay.com/users/alexas_fotos-686414/?utm_source=link-attribution&amp;utm_medium=referral&amp;utm_campaign=image&amp;utm_content=1116184">Hier und jetzt endet leider meine Reise auf Pixabay aber</a> from <a href="https://pixabay.com/?utm_source=link-attribution&amp;utm_medium=referral&amp;utm_campaign=image&amp;utm_content=1116184">Pixabay</a>&nbsp;</figcaption>
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<h2>The Different Types of Charity&nbsp;</h2>
There are many different types of charity each representing a specific cause. The following is a list of the type or category charities typically fall into and their mission:
&middot;&nbsp; &nbsp; &nbsp; &nbsp; Arts, Culture, Humanities &ndash; to promote artistic and cultural development and preserve its heritage
&nbsp;&middot;&nbsp; &nbsp; &nbsp; &nbsp; Human and Civil Rights &ndash; to defend civil rights and promote reform
&nbsp;&middot;&nbsp; &nbsp; &nbsp; &nbsp; Religion &ndash; to support religion, religious activities, and worship
&nbsp;&middot;&nbsp; &nbsp; &nbsp; &nbsp; Community Development &ndash; to promote economic growth and stability through affordable housing and to enhance public and private institutions
&nbsp;&middot;&nbsp; &nbsp; &nbsp; &nbsp; Environment &ndash; to preserve and protect the environment through research and conservation
&nbsp;&middot;&nbsp; &nbsp; &nbsp; &nbsp; Education &ndash; to provide opportunities to make schools more effective and accessible to all students regardless of background
&nbsp;&middot;&nbsp; &nbsp; &nbsp; &nbsp; Health &ndash; to promote treatment &amp; prevention services, patient &amp; family support, and medical research
&nbsp;&middot;&nbsp; &nbsp; &nbsp; &nbsp; International &ndash; to promote peace, defend human rights, and provide relief and development services
&nbsp;&middot;&nbsp; &nbsp; &nbsp; &nbsp; Animals &ndash; to defend, protect, and provide services to domestic, wild animals, endangered species, and their habitats
&nbsp;&middot;&nbsp; &nbsp; &nbsp; &nbsp; Human Services &ndash; to provide services to people in need through social services, youth development, rescue missions, homeless services, food pantries, food banks, and food distributions
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<figure class="aligncenter size-full is-resized"><img class="wp-post-1235 wp-image-1401" src="https://res.cloudinary.com/spiral/images/w_600,h_450/v1625478097/wordpress-uploads/what-is-charity/what-is-charity.jpg?_i=AA" sizes="(max-width: 600px) 100vw, 600px" srcset="https://res.cloudinary.com/spiral/images/v1625478097/wordpress-uploads/what-is-charity/what-is-charity.jpg?_i=AA 800w, https://res.cloudinary.com/spiral/images/v1625478097/wordpress-uploads/what-is-charity/what-is-charity.jpg?_i=AA 300w, https://res.cloudinary.com/spiral/images/v1625478097/wordpress-uploads/what-is-charity/what-is-charity.jpg?_i=AA 768w, https://res.cloudinary.com/spiral/images/v1625478097/wordpress-uploads/what-is-charity/what-is-charity.jpg?_i=AA 400w, https://res.cloudinary.com/spiral/images/v1625478097/wordpress-uploads/what-is-charity/what-is-charity.jpg?_i=AA 200w" alt="what is charity" width="600" height="450" loading="lazy" data-public-id="wordpress-uploads/what-is-charity.jpg" data-attachment-id="1401" data-permalink="https://blogspiralus.wpcomstaging.com/2021/06/28/what-is-a-charity-a-guide-to-giving/what-is-charity/" data-orig-file="https://i0.wp.com/blogspiralus.wpcomstaging.com/wp-content/uploads/2021/07/what-is-charity.jpg?fit=800%2C600&amp;ssl=1" data-orig-size="800,600" data-comments-opened="1" data-image-meta="{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}" data-image-title="what-is-charity" data-image-description="" data-image-caption="" data-medium-file="https://i0.wp.com/blogspiralus.wpcomstaging.com/wp-content/uploads/2021/07/what-is-charity.jpg?fit=300%2C225&amp;ssl=1" data-large-file="https://i0.wp.com/blogspiralus.wpcomstaging.com/wp-content/uploads/2021/07/what-is-charity.jpg?fit=750%2C563&amp;ssl=1" data-recalc-dims="1" data-format="jpg" data-transformations="" data-version="1625478097">
<figcaption class="wp-element-caption">Image by <a class="" href="https://www.shutterstock.com/g/Nevena+Barberic">Nevena Barberic</a></figcaption>
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</div>
<h2>Ways To Contribute To Charities &ndash; Donate or Volunteer&nbsp;</h2>
You don&rsquo;t have to have an abundance of money to contribute to a charity. You can give a little, or you can give a lot. Most people associate giving with a monetary contribution but there are other ways that are just as valuable. Some of these include the following:
1. &nbsp; Volunteering your time at soup kitchens, homeless shelters, food pantries, animal rescues, etc.
&nbsp;2. &nbsp; Volunteering your services using special or professional skills like building homes for <a href="https://www.habitat.org/" target="_blank" rel="noreferrer noopener">Habitat for Humanity</a>.
&nbsp;3. &nbsp; Donate goods which might include clothing, shoes, furniture, or a vehicle.
&nbsp;4. &nbsp; Organize a drive to collect donations for an organization.
&nbsp;5. &nbsp; Provide a fundraiser to raise money for a charity.
&nbsp;6. &nbsp; Use services that support charities such as<a href="https://www.spiral.us/"> Spiral banking</a>&sup1; services, where you can use the app to donate. Spiral will even match donations made within their mobile app, up to $150 per year&sup3;. What could be better than doubling your donation?
&nbsp;7. &nbsp; Check with your employer to see if they offer gift<a href="https://www.spiral.us/blog/are-matching-donations-real-how-to-maximize-your-charitable-giving/"> matching where they will match part or all of your charitable donations</a>.
&nbsp;8. &nbsp; Donate your tax refund.
&nbsp;9.&nbsp; &nbsp; As a holiday or birthday gift idea, donate to a charity instead. Facebook will let friends donate to a cause chosen by the person with the birthday.
10.&nbsp; Donate your credit card rewards by donating your cash back, points, or miles directly to the charity.
&nbsp;11.&nbsp; Get a charity-focused credit card that is specifically designed for giving to charities.
&nbsp;12.&nbsp; Donate your organs by registering with the<a href="https://www.donatelife.net/national-donate-life-registry/" target="_blank" rel="noreferrer noopener"> National Donate Life&nbsp; &nbsp; Registry</a>.
&nbsp;13.&nbsp; Donate blood to organizations such as the<a href="https://www.donatelife.net/national-donate-life-registry/" target="_blank" rel="noreferrer noopener"> American Red Cross</a>.
The question that pops up most often with monetary contributions is how to decide how much to donate to charity. According to <a href="https://www.marketwatch.com/story/how-much-money-should-you-be-giving-to-charity-2018-09-24#:~:text=Copia%20Wealth%20Management%20%26%20Insurance%20Services,is%203%25%20to%205%25." target="_blank" rel="noreferrer noopener">MarketWatch</a>, the middle ground is around 4% of your adjusted gross income. Of course, how much you donate is entirely up to you.
What does charity mean to you? Some of these donations aren&rsquo;t monetary like donating your organs to save the life of another person. For some, it&rsquo;s the ultimate sacrifice.
When you give to a charity you don&rsquo;t expect anything in return. However, there are tax advantages for both the organization and the donor due to the direct benefit to society which results in qualified charities being exempt from paying federal income taxes.
Cash donations and non-cash donations such as household <a href="https://www.spiral.us/blog/how-to-get-tax-breaks-for-donations/">items are tax-deductible</a> expenses for the donor.
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<figure class="aligncenter is-resized"><img src="https://lh5.googleusercontent.com/wiZIQXdotCH1xxMMuP8bKRIUAdnMi2FdU-khIhBGg4Qel8AZdoDYJLwGoW_kcNXGqSOifGGzsfQ5SNB11x05F6T_H6foFFMEKin4mgWaOGD4FmGngN_qgXhxoifRFoqKUx6cvm-s" alt="t Is the Importance of Charity" width="640" height="320" loading="lazy">
<figcaption class="wp-element-caption">Image by <a href="https://pixabay.com/users/905513-905513/?utm_source=link-attribution&amp;utm_medium=referral&amp;utm_campaign=image&amp;utm_content=1331096">Mary Pahlke</a> from <a href="https://pixabay.com/?utm_source=link-attribution&amp;utm_medium=referral&amp;utm_campaign=image&amp;utm_content=1331096">Pixabay</a>&nbsp;</figcaption>
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<h2>What Is the Importance of Charity?</h2>
<a href="https://www.spiral.us/blog/what-is-the-importance-of-charity/">What is the importance of charity</a> and do charities actually help? They absolutely do!
Charities benefit society and anything that benefits society is important. Charitable organizations raise awareness of issues such as human rights, public health, poverty, racial equality, sustainability, and offer hope for those in need.
Charities also help create a better future for humanity and generations to come. They teach future generations how important compassion, generosity, and coming together as a community are in creating a more peaceful world and, therefore, a more fulfilled life. Overall, it makes the world a better place for everyone.
How are charities funded? Charities are funded either by the public or the private sector through cash donations, non-cash donations, and volunteering.
The monetary contributions received by charitable organizations are not about making a profit but about making a difference to society.
Now that you have a clear picture of what is charity and how charity works, You can make a difference today by supporting a cause of your choice.
<h2>How can Spiral help with your giving?&nbsp;</h2>
<a href="https://spiral.us">Spiral is the pioneer of the Impact-as-a-Service&trade;</a> platform that helps banks and financial institutions easily embed sustainability, social impact, ESG, and CSR into their businesses. Their mission is to empower 10,000+ U.S. financial institutions and millions of people to contribute to a better world.

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